| Cash Flow for Oneida Financial Corp. (ONFC) | | | | | | | Cash Flow | in Thousands of Dollars | | | 12/2007 | 12/2006 | 12/2005 | 12/2004 | 12/2003 | | | Net Income | 3,504 | 4,198 | 3,858 | 3,292 | 3,122 | | Provision for Loan Loss | - | 280 | 360 | 450 | 531 | | Depreciation & Amortization | 2,029 | 1,559 | 1,315 | 1,553 | 1,634 | | Deferred Income Taxes | 109 | 285 | (98) | 219 | 171 | | Change in Assets (Receivables) | (4,064) | 62 | (1,453) | (281) | (2,475) | | Change in Liabilities (Payables) | (329) | (1,353) | 798 | (335) | 777 | | Investment Securities Gain | (353) | (308) | (275) | 961 | (765) | | Net Policy Acquisition Cost | - | - | - | - | - | | Realized Investment Gains | (154) | (257) | (161) | (229) | (377) | | Net Premiums Receivables | - | - | - | - | - | | Change in Income Taxes | (318) | (192) | 79 | (148) | 123 | | Other Non-Cash Items | 512 | 486 | 2,162 | (156) | 2,188 | | Net Cash from Operating Activities | 937 | 4,761 | 6,585 | 5,326 | 4,929 | | | | Proceeds from Sale/Mat. Inv. | 45,604 | 37,097 | 52,559 | 82,071 | 107,244 | | Purchase of Investment Securities | (57,479) | (14,345) | (41,157) | (64,739) | (118,206) | | Net Increase Fed. Funds Sold | - | - | - | - | - | | Purchase of Property & Equipment | (4,566) | (5,613) | (3,858) | (617) | (1,086) | | Acquisitions | 710 | (3,294) | (1,207) | - | - | | Other Investment Changes, Net | (9,004) | (11,506) | (26,099) | (11,241) | (5,004) | | Net Cash from Investing Activities | (24,735) | 2,337 | (19,762) | 5,475 | (17,053) | | | Net Change in Deposits | 32,228 | 12,084 | (460) | (3,868) | 13,736 | | Cash Dividends paid | (1,649) | (1,513) | (1,343) | (1,211) | (1,152) | | Repayment of Long Term Debt | (76,180) | 80,930 | (76,597) | (66,000) | (26,500) | | Change in Short Term Debt | - | - | - | - | - | | Issuance of Long term Debt | 67,180 | (92,800) | 89,467 | 63,000 | 20,400 | | Issuance of Preferred Stock | - | - | - | - | - | | Issuance of Common Stock | 34 | 35 | 47 | 118 | 86 | | Purchase of Treasury Stock | (65) | - | (93) | (95) | - | | Other Financing Activities | - | - | - | - | - | | Cash from Financing Activities | 21,548 | (1,265) | 11,021 | (8,056) | 6,570 | | | | Effect of Exchange Rate Changes | - | - | - | - | - | | Net Change in Cash & Equivalents | (2,250) | 5,833 | (2,156) | 2,744 | (5,554) | | | Cash at Beginning of Period | 18,710 | 12,877 | 15,033 | 12,289 | 17,843 | | Cash at End of Period | 16,461 | 18,710 | 12,877 | 15,033 | 12,289 | | | |
